Life insurance guides

If you’re thinking about getting life insurance but not sure if it’s worth it, this guide can help you decide. We look in detail at the benefits of life insurance and what you should consider when taking out cover.

This guide is for anyone who wants to know more about decreasing term life insurance. In it we talk about how decreasing term life insurance works, what it can be used for and how it can help pay off a repayment mortgage if you die.

Term life insurance covers you for a specific amount of time. You choose the term, and if you pass away or become terminally ill during that term, your family receive a lump sum.

Whole of life insurance covers you for your entire life. It guarantees a payout to your loved ones when you pass away or if you become terminally ill.

Mortgage protection is a type of life insurance designed to pay off your mortgage if you pass away.

Income protection insurance covers your monthly salary if you get sick and can't work.

Serious and critical illness cover pays out a lump sum if you are diagnosed with a serious condition. The condition may not be life threatening, but it still impacts your life.

In this guide we explain what over 50s life insurance is, how it works, how much it costs and whether it’s worth taking out cover.

There are different ways to set up a life insurance policy. In this guide we take a look at single vs joint life insurance and what to consider when choosing between the two.

All you need to know about how critical illness cover works and what it covers. Find out how much it can cost and whether you need critical illness cover.

Need help choosing between critical illness cover and serious illness cover? In this guide we look at the similarities and differences between the products.

Joint life insurance is one policy for two people who are in a relationship. Learn how it works and if it’s suited to you and your partner in this guide.

Having a baby is a key life event when people consider buying life insurance. Find out how much cover you might need as a parent in this guide.

Do you need life insurance if you’re single, and if so what are the benefits? Find out if insurance is right for you in our life insurance guide for singles.

Dealing with life insurance after divorce can be complicated. Read our guide to learn what happens with different types of policies, and changing beneficiaries.

Having a family is a key reason many people buy life insurance. Find out why is life insurance is important for families and children and what it covers.

If you've just bought your first property, life insurance could help keep your loved ones protected if something unexpected happened. Find out how life insurance works for first-time buyers, here.

Read our guide to life insurance and funeral cover, here. Learn about the policy options available, costs of a funeral and ways of paying for the ceremony.

Getting life insurance as a young adult has its advantages. Read our guide to life insurance for young people to learn if it can benefit you.

Some jobs or lifestyles expose individuals to more danger. High-risk life insurance covers people who are at a higher risk. Learn how it works, here.

Read our comprehensive guide to getting life insurance as a cancer survivor and how to make a claim after a diagnosis.

If you plan on moving overseas, it could affect your life insurance. Here’s what you need to know about life insurance for UK citizens moving abroad.

Self-employed and thinking about life insurance options? Read our guide to help understand how it works, what types you could consider, and if you need it.

Read our guide to income protection insurance for the self-employed and how it could support your livelihood and family if anything happened to you.

Mental health affect us all at anytime. Our guide covers how psychological issues impact life cover and what insurers might ask you during your application.

How are life insurance premiums calculated? Here’s everything you need to know about premiums, how they’re calculated and things to consider.

What is a life insurance beneficiary? Find out everything you need to know about beneficiaries, putting life insurance into a trust, and more, in this guide.

Find out how life insurance payouts work, what to do if you receive one and answers to other key questions. Read our guide here.

In this guide, we look at the role of an executor of a will and how to appoint one. We also answer the question of whether an executor can be a beneficiary.

In this guide you’ll find out what a trust is and how it works. We review the pros and cons of life insurance in trust and outline the types of trust available.

In this guide we explain the practicalities of estate planning and why everyone needs a plan. Find out why making a will is so important and how inheritance tax can impact what you leave behind.

In this guide, we will explain inheritance tax and the inheritance tax threshold and how to use a life insurance policy to pay an inheritance tax bill.

Wondering how diabetes could affect your life insurance policy? Find out more about life insurance cover for type 1 and type 2 diabetics in this guide.

Wondering how smoking could affect your life insurance policy? Find out all you need to know when looking for a policy as a smoker, here.

Thinking of changing life insurance provider or product? Read our comprehensive guide on reviewing your cover, amending your policy and switching.

The popularity of life insurance for women is continually rising. But do you need it? Read our guide to women’s life insurance and learn more.

Do life insurance companies check medical records? And is it possible to get life insurance without medical history disclosure? Find out more in this guide.

Wondering how to fill out a life insurance application? Take a look at what information you need to provide and why.